About this home
Welcome to 4074 4th Street, a canal-front home in Surf City offering the best of both sides of Topsail Island life. Keep your boat right outside your back door with approximately 55 feet of canal frontage, a dock and boat lift, while the beach and Atlantic Ocean are within walking distance. This 3-bedroom, 3-bath waterfront home offers 1,762 heated square feet and convenient access to the Intracoastal Waterway, giving you the freedom to spend the morning at the beach and the afternoon on the boat without ever leaving the island. Inside, there's plenty of room to spread out. The main living area connects with the dining area and kitchen, including an eat-in bar, while a large family room provides additional space for gathering and relaxing. A tiled sunroom overlooks the canal and gives you another place to enjoy the waterfront setting throughout the day. The ground level adds valuable space for the way people actually live at the coast. A covered porch provides a shaded spot near the water, while the utility room and large storage areas provide plenty of room for beach gear, fishing equipment, bikes, tools and boating supplies. A ground-level bathroom is especially convenient when coming in from the boat or beach. Step outside and you're just a few steps from the dock and boat lift. Head out for a morning of fishing, cruise the Intracoastal Waterway, or spend the afternoon exploring the waters around Topsail Island. When the beach is calling, leave the boat at the dock and walk to the sand. Whether you're searching for a primary residence, second home or coastal getaway, 4074 4th Street brings together what makes Surf City waterfront living so appealing: the Atlantic Ocean within walking distance, approximately 55 feet of canal frontage, your boat in the backyard, generous storage and no HOA.
Facts
- Type
- Single Family Residence
- Year built
- 1986
- Lot
- 0.18 acres
- Waterfront
- Boat Lift, Bulkhead, Canal Front
- Community
- Old Settlers Beach
- County
- Onslow
- Price per sq ft
- $397
- Stories
- 1
- Construction
- Vinyl Siding, Wood Frame
- Roof
- Metal
- Foundation
- Other, Pilings
- Water
- Public
- Property tax
- $7,372 / year (2026)
- Listed
- Sep 4, 2026
- MLS #
- 100601423
Features
Inside
- Blinds/Shades
- LVT/LVP
- Carpet
- Tile
- Built-In Microwave
- Refrigerator
- Dishwasher
Outside
- Boat Slip
- Boat Dock
- Boat Lift
- Bulkhead
- Navigable Water
- Canal
Parking
- Off Street
Heating & cooling
- Electric
- Heat Pump
- Central Air
Directions to 4074 4th Street
From the Island roundabout in Surf City, travel North on N. New River Dr. Turn left onto 4th St. The house will be on the right.
Schools
- Elementary
- Dixon
- Middle
- Dixon
- High
- Dixon
As listed in the MLS (Onslow). School assignments can change — confirm with the district for this address.
Payment calculator
Enter the rate a lender quoted you and pick a down payment to see principal and interest for this home. Not sure what to use? See this week's national average at Freddie Mac ↗
Get your actual rate for this home — usually same day
Joey Milam, Alpha Mortgage Advantage · NMLS #117399 · You're free to choose any lender.
Recent sales like this in Old Settlers Beach
| Home | Sold | Bd / Ba | Sq ft | Price | $ / sq ft |
|---|---|---|---|---|---|
| 2016 N New River Drive, Surf City | Aug 18, 2026 | 4 / 2 | 1,598 | $640,000 | $401 |
| 4059 4th Street, Surf City | Jul 23, 2026 | 4 / 3 | 1,632 | $1,200,000 | $735 |
| 6114 6th Street, Surf City | May 14, 2026 | 3 / 2 | 1,660 | $838,500 | $505 |
| 2005 N Shore Drive, Surf City | Feb 4, 2026 | 3 / 3 | 1,698 | $800,000 | $471 |
Similar size and type, sold in the last 12 months. From Hive MLS records; deemed reliable, not guaranteed.
Buying in Surf City? Local guides
- Military Relocation to Wilmington & Southeastern NCPCSing to Camp Lejeune, New River or Coast Guard Wilmington? Compare commutes, base housing, temporary lodging, schools, BAH and VA loan basics.
- Before You List on the NC Coast: Inspect, Repair or Sell As-Is?What to do before listing a home in Wilmington and the southeastern NC coast: a pre-market inspection, what to fix, credit or disclose, roof/HVAC/insurance questions coastal buyers ask, photos, pricing and offers.
- How Much Are Property Taxes in Wilmington and the NC Coast? (2026-27)County and town property tax rates for New Hanover, Brunswick, Pender, Onslow and Duplin, what they cost on a $400,000 home, the 2027 revaluations to plan for, and tax relief you may qualify for.
Explore the area
Popular searches in Surf City
- One-story homes in Surf City (13)
- Homes with the primary bedroom on the main floor in Surf City (42)
- Waterfront homes in Surf City (39)
- New homes & new construction in Surf City (18)
- Homes with a recent price cut in Surf City (21)
- Homes with no HOA in Surf City (53)
- Townhomes in Surf City (27)
- Condos in Surf City (6)
- Land and lots in Surf City (17)
- Luxury homes ($1M+) in Surf City (28)
About 4074 4th Street
4074 4th Street is a 3-bedroom, 3-bath home of about 1,762 square feet, built in 1986 in Old Settlers Beach, Surf City, Onslow County, NC 28445.
14 other homes are for sale in Old Settlers Beach right now (median asking $978,750); 20 homes sold there in the last 12 months at a median of $819,250, typically in about 62 days.
Across ZIP 28445, 310 3-bedroom homes sold in the past year at a median of $361,500.
It has been on the market for 46 days.
Area figures are broad context from the MLS, not a valuation — they don't adjust for waterfront, condition, lot, views or updates. Ask us for a true comparison.
Old Settlers Beach neighborhood guideHomes for sale in Surf CityOnslow County homesWaterfront homes in Surf City
Buying 4074 4th Street
- See it in person. Pick a time and we'll call to confirm — often same day.
- Practice your offer. Try our new Offer Simulator: see how a seller might answer, go back and forth, and learn how offers work in NC. No risk, no sign-up.
- Have a home to sell first? Our guaranteed sale lets you buy with a firm plan for your current home. How it works
Own a home near 4074 4th Street? See what it's worth — a home value report built from real sales in Old Settlers Beach.
What's my home worth? →Questions about 4074 4th Street
How much is 4074 4th Street?
4074 4th Street is listed at $699,000 (about $397 per square foot) as of October 20, 2026. Status: for sale.
How many bedrooms and bathrooms does 4074 4th Street have?
3 bedrooms and 3 bathrooms, with about 1,762 square feet.
What neighborhood is 4074 4th Street in?
Old Settlers Beach, in Surf City, Onslow County, North Carolina.
How long has 4074 4th Street been on the market?
46 days. Homes in Old Settlers Beach sold after a median of 62 days over the past year.
What have homes sold for in Old Settlers Beach?
20 homes sold in Old Settlers Beach in the last 12 months, at a median price of $819,250.
Is 4074 4th Street waterfront?
Yes — the MLS lists it as a waterfront property.
When was 4074 4th Street built?
1986.
Who is the listing broker for 4074 4th Street?
Coastal Realty Associates LLC (MLS #100601423). The Buddy Blake Team can show it to you and answer questions.
Can I tour 4074 4th Street?
Yes. Tap “Schedule a tour,” pick a time, and we'll call to confirm — or call or text (910) 395-1000.